Members
~850,000
Zusatzbeitrag
0.98%
Founded
1904
Best For
Cost-conscious members who want to minimize their contribution rate
Advantages
Lowest Zusatzbeitrag among major nationwide Kassen (0.98%)
Saves €30-50/month vs higher-cost competitors
Full GKV coverage — same legal benefits as any Kasse
Decent bonus program
Good basic digital services
Osteopathy and naturopathy partially reimbursed
Disadvantages
Smaller — fewer physical offices (primarily online/phone)
Fewer Zusatzleistungen than premium Kassen like TK
Limited English support
Less extensive bonus program
Our Verdict
Consistently the lowest Zusatzbeitrag of any major nationwide Krankenkasse. An excellent choice for cost-conscious members who want the same legally mandated GKV benefits at the lowest price. With an overall rating of 4.3/5, hkk is a solid option in the public insurance market. At a Zusatzbeitrag of 0.98%, it's competitively priced.
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